Loan Rates - Effective Thursday, January 8, 2026

Loan Type	Rates as low as	Terms	Terms & Information
2026 New Vehicle Loan »	5.24%	60 M	Great Rates on New Cars
2022-2025 Used Auto »	5.5%	60 M	Enjoy hometown service with a great rate on a like new auto!
2021 Used Auto »	7.5%	60 M	Great Rates on Used Cars
2020 Used Auto »	8%	60 M	Great Rates on Used Cars
2019 Used Auto »	8.25%	54 M	Great Rates on Used Cars
2018 Used Auto and Older »	8.75%	48 M	Great Rates on Used Cars
Credit Card »	11.9%	36 M	1% Cash Back Rewards and More!
Home Equity Loan	6.125%	0 M	Tap into your house's equity and save money
Unsecured Signature Loan »	10.5%	36 M	using only your signature for collateral!
Recreational/Equipment-New »	6.5%	60 M	Boats, ATVs, etc | Equipment Loan to Help Your Business Grow
Recreational/Equipment-Used »	7%	48 M	Boats, ATVs, etc | Equipment Loan to Help Your Business Grow

For current long term mortgage rates or a home equity line of credit, please call any one of our 4 branches at:

(989) 352-6031

 

Certificate Rates - Effective Thursday, January 8, 2026

Certificate Term	APY	Minimum Deposit
3 MONTH	0.05%	$100
6 MONTH	3.7%	$500
9 MONTH	3.65%	$500
12 MONTH	3.45%	$500
18 MONTH	2.5%	$100
24 MONTH	3.25%	$500
36 MONTH	3%	$500
60 MONTH	2.75%	$500
12 MONTH IRA TRADITIONAL	3.5%	$250
36 MONTH IRA TRADITIONAL	1.75%	$500
12 MONTH IRA ROTH	3.5%	$250
36 MONTH IRA ROTH	1.75%	$500

Savings Rates - Effective Friday, March 31, 2023

Account Type	APY	Minimum Deposit	Minimum Balance
REGULAR SHARES	0.05%		$10
SUB SHARES	0.05%		$0
CHRISTMAS CLUB	0.05%		$0
VACATION CLUB	0.05%		$0
CHECKING	0.05%		$1000
HSA DRAFT	0.05%		$0
BUSINESS CHECKING	0.05%		$1000
BUSINESS CHECKING	0.5%		$100000
BUSINESS CHECKING	0.75%		$250000
BUSINESS CHECKING	1.01%		$500000
MONEY MARKET DRAFT	0.2%		$2500
MONEY MARKET DRAFT	0.45%		$10000
MONEY MARKET DRAFT	0.65%		$25000
IRA TRADITIONAL	0.65%		$10
IRA ROTH	0.25%		$10